Does Good Natured just move skill points around at the start or is this a permanent +5/-5?
For example, is the max level for Guns now 95 instead of 100?

no it just takes away your starting points from that class

Just moves them around. Pretty useful too because you'll probably only use 1 or 2 of the 5 combat skills listed but eventually you're likely to use all 5 of the non combat skills at one point or another.

Thanks for the replies.

In that case, I can't see anything negative about it.